{"id":"W4319079723","doi":"10.55365/1923.x2022.20.100","title":"Do Consumer Loans Really Lead to Debt Traps? Empirical Evidence from Armenia","year":2023,"lang":"en","type":"article","venue":"Review of Economics and Finance","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"","funders":"","keywords":"Loan; Debt; Term loan; Business; Financial system; Participation loan; Duration (music); Monetary economics; Cross-collateralization; Falling (accident); Non-conforming loan; Economics; Finance; Non-performing loan; Medicine","routes":{"ca_aff":false,"ca_fund":false,"ca_venue":true,"about_ca":false,"invisible_to_affiliation_only":true},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0005358597,0.000185198,0.0005883257,0.0001435617,0.00008351894,0.00008963662,0.000251206,0.0000499349,0.0001102148],"category_scores_gemma":[0.000261421,0.0001758979,0.0001466812,0.0005479125,0.00005319359,0.0005033485,0.000166963,0.00007313916,0.0006121881],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00002153888,"about_ca_system_score_gemma":0.00003386208,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0003284577,"about_ca_topic_score_gemma":0.0001864951,"domain_scores_codex":[0.9986235,0.00001106824,0.000611741,0.0004442643,0.00007770192,0.0002316858],"domain_scores_gemma":[0.9990441,0.0001059962,0.0003417117,0.0003753381,0.0001182793,0.00001452643],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"not_applicable","study_design_scores_codex":[0.0001251029,0.0001187942,0.6747847,0.006605137,0.00007785756,0.00002819174,0.0002069261,0.0001566279,0.0002476476,0.02795518,0.1075074,0.1821865],"study_design_scores_gemma":[0.0002281358,0.00002122372,0.2192508,0.007697004,0.0001770194,6.467251e-7,0.00001190668,0.003946628,0.00002380802,0.002853256,0.765388,0.000401596],"study_design_candidate":"observational","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"review","genre_scores_codex":[0.9615238,0.03519451,0.00001297553,0.002100395,0.0001465122,0.0003177531,0.00002269844,0.00002564042,0.000655757],"genre_scores_gemma":[0.4470407,0.5458844,0.0007750163,0.005557169,0.0003177288,0.00004016381,0.00006164422,0.00002929321,0.0002938815],"genre_candidate":"empirical","genre_consensus":null,"teacher_disagreement_score":0.6578806,"threshold_uncertainty_score":0.7868643,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.06014742272568848,"score_gpt":0.2891673961629175,"score_spread":0.229019973437229,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}